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MINI Cooper insurance rates

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Average MINI Cooper insurance rates

The average insurance costs for a MINI Cooper is $227 a month — or $2,724 a year. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors. To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2017 MINI Cooper
  • 10,001–15,000 miles driven yearly
  • No accidents in the past five years
  • Anti-theft device on vehicle
  • Driver located in New York
  • Good credit

Our estimated price is for the state required minimum coverage which includes bodily injury, property damage, uninsured motorist bodily injury and personal injury protection.

Other factors that can affect your auto insurance rate

  • The MINI Cooper’s model year
  • The vehicle’s trim
  • The amount of coverage you need
  • The estimated miles your drive in a year
  • The vehicle’s safety and anti-theft features
  • The driver’s credit score
  • The driver’s location
  • The driver’s age
  • The driver’s driving history in the past five years
  • The driver’s marital status
  • Your (or the driver’s) gender
  • Whether the driver rents, leases or owns the vehicle

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About the MINI Cooper

MINI Cooper Insurance FinderThe MINI Cooper has been around since 1961. The subcompact car is known for its sporty handling, turbocharged engines and upscale interior. In 2003, the MINI Cooper was named the North American Car of the Year. In 2012, there were more than 300,000 MINI cars sold throughout the world and the largest market was the United States, with had more than 66,000 sales.

Insurance companies determine the insurance cost for a MINI Cooper based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. MINI shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. MINI Cooper shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

MINI Cooper money-saving safety features

You could save money on car insurance for your MINI Cooper if it comes equipped with these safety features.

  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti theft system

Random MINI Facts

  • MINI cars have been around since 1959, but the British company was founded in 1969.
  • MINI has been a subsidiary of BMW since 1994. More than one million vehicles were sold since BMW took over.
  • There are approximately 5.3 million original MINI cars sold, making it the top selling British car in history. The company stopped selling the original MINI cars by 2000.
  • In 2012, the record amount of people that could fit in a MINI car was set at 28, according to the Guinness World Records.
  • MINI is the second most produced car in Britain.

Compare insurance providers that cover MINI Cooper

Name Product Roadside assistance New car protection Available states
Allstate
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Go to siteView details
Liberty Mutual
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Go to siteView details
Root
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Go to siteView details
Esurance
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Go to siteView details
Metromile
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
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USAA
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.
Go to siteView details

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MINI Cooper car insurance rates

A 2017 MINI Cooper starts at a base price of $20,950. With the average insurance rate at $2,724 per year, the annual insurance cost–to–base car price ratio is 13.0%.

Model Monthly insurance rate Base car price
Mini Cooper $227 $20,950
Mini Cooper 4-door $140 $23,450
Mini Clubman $132 $26,000
Mini Convertible $108 $22,500
Mini Countryman $140 $26,600
Mini Countryman SE $130 $33,441

How safe is the MINI Cooper?

The 2017 MINI Cooper was named a Top Safety Pick car by the Insurance Institute for Highway Safety (IIHS). The IIHS gave good ratings, highest possible rating, to all crash tests. The National Highway Traffic Safety Administration (NHTSA) awarded the MINI Cooper with a 4-Star Overall Safety Rating. The NHTSA gave four stars, out of five, for all crash tests performed on the MINI Cooper.

In 2017, the National Insurance Crime Bureau ranked the MINI Cooper as number nine in their list of the Top 10 Least Stolen Used Cars.

Which car insurance provider is best for me?

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How does the MINI Cooper compare to other car models?

From a price standpoint, the MINI Cooper ranks right in the middle of our list of the 360 priciest car models to insure. Lear the price of other car brands and models:

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